Credit Risk Manager
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Key details
- Location
- Rome, Italy
- Work style
- Hybrid
- Level
- Senior
- Job type
- Full-time
- Function
- Finance & Accounting
- Focus area
- other
- Posted
- 22h ago
Skills
About the role
We are looking for a highly analytical and experienced Credit Risk Manager. The ideal candidate will have extensive experience in the consumer credit sector, with a strong focus on underwriting both retail and corporate portfolios. You will be responsible for evaluating creditworthiness, managing risk provisions, and ensuring full compliance with regulatory reporting standards.
Credit Underwriting: Responsible for a team in charge of performing comprehensive credit analysis and decision-making for both Retail and Corporate applicants, ensuring alignment with the company’s risk appetite.
IFRS 9 Stage Management: Oversee the Credit Reclassification process, ensuring assets are accurately categorized into Stages according to international accounting standards and Default Definition.
Regulatory Reporting: Oversight the preparation of reports regarding asset quality, stage migration, and "Non-Performing Exposure" (NPE) ratios for regulatory authorities.
Reporting: delivering regular reports to the top management on risk exposure and the adequacy of the bad debt reserve.
Portfolio Monitoring: Analyze consumer credit trends and performance indicators to identify early warning signs of credit deterioration.
Policy Development: Contribute to the refinement of credit policies and scoring models to optimize the balance between growth and risk.
Proven Experience: Several years of experience s in Credit Risk with specific expertise in IFRS 9 impairment frameworks.
Technical Knowledge: Deep understanding of Credit Risk triggers and the qualitative/quantitative criteria for credit reclassification.